BP Visa® Credit Card Review: Is It Worth It? Should You Apply?

BP Credit Card
The BP Visa® Credit Card rewards loyal customers with generous rewards. Those who use it strategically are poised to benefit from gas savings and more.
  • Annual Fee:
    $0
  • Regular APR:
    29.99% Fixed
  • Recommended Credit Score:
    670 - 850

Disclaimer: This post contains references to products from one or more of our advertisers. We may receive compensation (at no cost to you) when you click on links to those products. Read our Disclaimer Policy for more information.

BP is no longer just in Britain – now it’s a worldwide gas company, and its stations can be found across America.

If you spend a lot of money at their gas stations, you might look into applying for the BP Visa® Credit Card, which has the potential to net you some minor but noticeable gas discounts over the long term.

BP Visa® Credit Card Pros and Cons

Pros:

  • Solid and consistent discount at gas purchased from participating stations
  • Good 3% cash back rate for groceries
  • The opening offer has an even better gas station discount

Cons:

  • The application might result in you getting a subpar card
  • The higher gas discount only lasts for 30 days

BP Visa® Credit Card Review

  • Annual Fee: $0
  • APR: 29.99%

The BP Visa® Credit Card is effectively a gas station rewards card. However, you’ll also get limited rewards on groceries and other purchases.

It also includes a one-time introductory offer that can result in some moderate savings during the first 30 days.

The card lacks an annual fee, but it also lacks a big, impressive aspect that would otherwise make this rewards card stand out from the competition.

As it stands, the BP Visa® Credit Card can easily be replaced by other rewards cards, including other offers from BP themselves.

What Is the BP Visa® Credit Card?

The BP Visa® Credit Card is a cashback rewards card that offers discounts when you purchase fuel at various participating BP and Amoco gas stations.

Also, this rewards card offers 3% cash back on groceries, 1% cash back on all other qualifying purchases, and an introductory offer: another $.20 for each gallon of gas bought from a participating station in the first 30 days after you open an account.

How Does the BP Visa® Credit Card Work?

Easily. The BP Visa Credit Card’s rewards are quick to see and take advantage of. Just use the card at a gas station pump, and you’ll immediately get a $.10 per gallon off discount after the introductory offer expires.

But it’s important to note that applying for the BP Visa® Credit Card could end up hurting you in the long run.

When you apply for this Visa card, you might receive a different card due to the fine print, which says that if you are approved, you could instead receive the general BP credit card instead of this special rewards card.

This is a downside since the general BP credit card has lower savings on gas and can only be used for purchases at participating gas stations.

In essence, you’re rolling the dice when you apply for this card and may not end up with a card you’ll use regularly.

BP Visa® Credit Card Features and Benefits

The $.10 per gallon off offer is the most attractive aspect of this card. It kicks in immediately and applies to any gas you purchase from a participating BP or Amoco gas station.

The introductory offer is short-lived but still decent. For the first 30 days after making your account, you’ll get $.25 off per gallon rather than $.10 off per gallon at the participating gas stations.

Furthermore, if you download the BPme app and add your rewards card to the app, then use the app to make your gas purchases, you’ll get another $.05 off each gallon you purchase for a total of a 30% discount.

Once the 30 days are up, you’ll only get $.10 off per gallon purchased, and the other aspects of the rewards kick in (3% off on groceries and 1% off on all other purchases).

How Do Rewards on the BP Visa® Credit Card Work?

When you use this card at participating BP and Amoco gas stations, you get the 10% off per gallon discount right away without having to do anything aside from using the rewards card. These immediate savings are one of the best aspects of this offer overall.

You also 3% cash back on groceries. There aren’t any limits to the earnings you can potentially attain with the card, and the same is true for the 1% cash back on all other purchases.

These rewards are received as statement credits, which you can then use at BP or Amoco gas stations or participating locations.

Note, however, that the 1% cash back bonus on purchases made everywhere else only kicks in for places where Visa credit cards are accepted.

Alternatives to BP Visa® Credit Card

If you aren’t sure whether the limited value provided by the BP Visa® Credit Card is worth the potential application issues, there are several alternatives to check out instead.

#1. Chase Freedom Flex℠

The Chase Freedom Flex℠ is a phenomenal cashback credit card that allows you to earn 5% cash back on various purchases in rotating categories, 5% cash back on any travel purchases made through Chase, 3% cash back on drugstore and dining purchases, and 1% cash back on all other purchases.

It’s a generous card through and through that rewards people willing to buy new things from a variety of interesting categories.

But keep in mind that this card requires you to keep an eye on what categories are currently favored if you want to maximize your cashback rates.

#2. Blue Cash Preferred® Card from American Express

The Blue Cash Preferred Card is another solid alternative, particularly for folks who spend a lot of money at supermarkets, gas stations, and streaming services.

Card users can get 6% cash back at participating US supermarkets, totaling up to $6000 per year. After that, the cash back rate drops to 1%.

You’ll also benefit from 6% cash back on various streaming subscriptions and 3% cash back at gas stations and transit locations.

1% cash back on all other purchases round out this card’s potentially super high value. But note that it does have a $95 annual fee after your first year.

#3. Costco Anywhere Visa® Card 

The Costco Anywhere Visa® Card by Citi could be a good choice if you shop at this popular retailer. You can use the card to earn 4% cash back on gas purchases, 3% cash back on restaurant travel purchases, 2% cash back on Costco and Costco.com purchases, and 1% on all other purchases.

Then you can redeem the credit at Costco stores (not the online site, though). But this card does have a single big limitation: you only receive your reward credit once per year in the form of a mailed certificate.

BP Visa® Credit Card FAQs

Is the BP Credit Card Good?

That depends. It can be a decent card for maximizing your gas savings at BP and Amoco gas stations, but little else.

It’s not a great rewards card if you want a primary credit card for maximizing cashback credit to be spent elsewhere.

What Credit Score Do You Need to Get a BP Gas Card?

You need a credit score of at least 670 (sometimes categorized as “good”) to qualify.

Where Can I Use My BP Gas Credit Card?

You can use the BP Visa® Credit Card at participating BP and Amoco gas stations, various grocery stores, and stores that take Visa cards.

How Do I Pay My BP Credit Card?

There are a few different ways. You can either submit a payment online, over the phone or through the mail.

You can register with BP to pay your card bill online quickly and easily by adding a bank account and routing number. You can also set up automatic monthly payments through this method.

Bottom Line: BP Visa® Credit Card Review

Ultimately, the BP Visa® Credit Card is a useful and limited cash back rewards card that will be primarily beneficial for people who frequent BP and Amoco gas stations.

Consider applying for this card if you want to get a low but consistent discount on your gas purchases.

However, be aware that there’s a chance you might also receive a less appealing general credit card instead.

Keep Shopping:

Jordan Blansit
Jordan Blansit

Jordan Blansit is a Senior Writer, Researcher, & Product Analyst for SimpleMoneyLyfe with an inexplicable predilection for mortgages, investing, and personal finance. When she’s not click-clacketing from the comfort of her living room, you can find her in the California Redwoods or Oregon Siskiyous. Jordan’s areas of expertise are mortgages, personal loans, credit cards, and investing.